Terms & Conditions

Effective October 28, 2026

These terms govern your use of the Hopes for Seniors website. By using this website, you agree to these terms. If you do not agree, please stop using the website.

Information and insurance inquiries

This website provides general information about final expense life insurance. It is a solicitation for insurance, not an insurance contract, personalized financial advice, or a guarantee of eligibility. Information may not describe every policy feature or option. Insurance availability, benefits, premiums, underwriting, exclusions, and waiting periods vary by insurer, policy, applicant, and state.

Coverage and eligibility

Completing a website form does not apply for, purchase, bind, or activate coverage. Coverage begins only as stated in an insurer’s issued policy and after its requirements are satisfied. Review the actual policy and obtain advice from a properly licensed insurance professional before deciding. This website is not affiliated with a government agency, Medicare, or Medicaid.

Current form preview

The interactive form is a design preview. Its answers are held only in the current page’s memory; they are not submitted, saved, sold, or sent to an agent. Finishing the preview does not create a quote request, an application, or authorization for marketing contact. Refreshing or leaving the page clears your answers.

Communications and consent

The form displays sample optional contact-consent language for a future operational form. Checking it in this preview does not record consent or initiate communications. You may call (786) 238-5798 directly. Any future operational marketing program must disclose the responsible business and follow applicable consent, revocation, and Do Not Call requirements. Consent to automated marketing is not a condition of purchasing insurance.

Acceptable use

Use this website lawfully. Do not submit another person’s details without permission, attempt unauthorized access, interfere with website operation, or misrepresent your identity. This website is intended for adults in the United States.

Website materials and external links

Website content is provided for your personal, informational use. Reproduction or commercial reuse requires permission from the rights holder. External websites, where linked, are governed by their own terms and practices. We do not control their content.

Accuracy and availability

We aim to keep the information accurate but do not promise uninterrupted operation or that all information is complete or current. To the extent permitted by applicable law, the website is provided as available, without warranties, and we are not responsible for losses resulting from reliance solely on its general information. Nothing in these terms excludes rights or liabilities that cannot legally be excluded.

Changes and contact

These terms may be updated by posting revised text and a new effective date. For questions, call (786) 238-5798. See also our Privacy Policy.